Bad Credit!   What's the real story on Credit?

Most viewers of this page will not have the best credit, if they have any credit all! That's why you're here and we have some great news for you.

You might be thinking that you don't need credit. Have you every called the phone company to order service? Every wonder what they are doing when they take your order and then put you on hold? You would be surprised!

One of the largest credit reporting companies in the USA sold all of it's credit history on most people to utility companies.

Now! Haven't you ever wonder why the utility company wants to know your Mothers maiden name? Are you thinking that they are just real friendly?

They are verifying, you are who you say you are and they are making sure that you have paid all of your past utility bills with all similar companies.

Is that important information? No! Not really! It is meant to inform you that your credit history will be with you forever, even if you don't have a credit card. It's important to know how people are using this information, as this information can effect your life in many ways.

When you Consolidate your bills using Federal Laws, does that hurt your credit. Well! Chances are your credit is hurt pretty bad to begin with. And, if you do nothing, your credit history will continue to get worse, not better. When you use Federal Laws, it stops the aging process. By that we mean that those bills that are 5 months old, or 3 months old, or more, will never age after the paperwork has been filed with the courts. How does this affect you. Stopping the aging process, means that your credit report will not show a longer history of delinquency. So! In that sense, you can put a stop to the aging of bills. That's good!

Of course! It's better to repay everyone as originally agreed, but not everyone can do that and we are here to help those that just can't!

Lets say that you are thinking about getting rid of all your bills using Bankruptcy. Does that mean that you will never have credit again? No! Not at all! Once we have filled your paperwork and have completed the process, which is approx. 90 days, you can get new credit quickly, if you want it.

Lets say that you need a car for getting back and forth to work. We can give you a list of over 20 automobile deals that we have spoken to, in person, that want your business. Why would a car dealer want your business after you file a Bankruptcy getting rid of your bills and financial obligations? First! The car dealer knows that you now, have NO Bills, except living expenses! You're out of debt and you most likely will not be in this situation again for some time. Second! He's there to make money, as we all know. Sure! He's going to charge you a little extra to get you financing and a little more on your down payment, wouldn't you, if you were him. It's a small price to get what you want and to start establishing new credit immediately. Third! If you don't pay him, he will repo the car and sell it again and make more money.
Why wouldn't this guy be anxious to put you right into a nice new car? We have 20 dealers that are waiting for just that person. It's no problem. When you use Federal Laws to consolidate your bills, it's a different story indeed.

The car dealer knows that you are on a budget and that most of your spare money is going to repay your old bills. He also knows that if you don't make your monthly payment through the court, every bill collector that you owe money to, can jump all over you again and that makes you a real risk in his book. Some people have no choice in the matter. They must repay bills through Bill Consolidation because they have no alternative.

In these cases, a person can start credit again, but only when the past bills in the plan have been totally repaid. It is also a requirement of the court that any changes in your budget, like the purchase of a new car, be approved by the US Trustee for the court. The Trustee wants to help make sure that you can afford the car and still stay within your budget and repay your bills. This really protects everyone involved. So! The good news is that you can establish new credit within months after filing a Chapter 7 Bankruptcy, if you know where to go and what to do. We discuss all of that with you when you come in for your first FREE Confidential visit.

Some people are worried about a security clearance, or military standing, or their job. And they should have some concerns! If they are behind in their payments they should move quickly and get a jump on the collection process. You can protect your family, your job, your reputation and your future credit if you can listen to good legal advice.

There are numerous ways to deal with debts and we can't go over the thousands of options that we are aware of, but we can explain the ones that from our experience will benefit you the most.

Credit! You can have it, quickly! It's better to control it, than have it control you!

Call now for a FREE initial consultation!
We can help!
Call toll free 1-800-899-1414

Whether you need to file bankruptcy, or just want to lower payments without filing bankruptcy, we can help. If you are sick of getting pushed around, feeling angry and upset, and losing sleep, now is the time to do something about it.

And the best thing is ... you have nothing to lose because the consultation is FREE. You can come in, see us, get lots of valuable information, and then leave ... no strings attached ... and it is perfectly okay with us.

If you find yourself in credit difficulties, your best strategy is to contact a law firm specializing in consumer credit assistance. Contact an experienced credit and bankruptcy attorney today - we can discuss your options, and help you on the way to financial health.